Wallets/sicoob
Sicoob / Super App Sicoob
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Overview
Sicoob (Sistema de Cooperativas de Crédito do Brasil) is Brazil's largest cooperative financial system + 4.2M+ cooperative members + 2,800 service points [1, 2, br-cro]. 2025 baseline: Super App Sicoob 4M+ users + 7.5M daily accesses + 18B+ 2025 business transactions by Sicoob cooperative members + 300+ products/services + ~85% Sicoob cooperative members' financial transactions via Super App; 2025 Super App Sicoob recognized as best financial market application at 2026 Banking Transformation Award; Jun 26 2025 Super App Sicoob financial health score feature launch distinctive Brazilian cooperative banking innovation for member financial well-being.
Distinctive Sicoob positioning:
- Brazil's largest cooperative financial system + 4.2M+ cooperative members + 2,800 service points distributed throughout Brazil
- Super App Sicoob 4M+ users + 7.5M daily accesses + 18B+ 2025 business transactions + 300+ products/services + ~85% Sicoob cooperative members' financial transactions via Super App distinctive Brazilian cooperative banking digital scale
- 2026 Banking Transformation Award best financial market application for Super App Sicoob
- Jun 26 2025 Super App Sicoob financial health score feature launch distinctive Brazilian cooperative banking innovation for member financial well-being
- 2002 Sicoob founding by Brazilian cooperative banking federation → distinctive Brazilian cooperative banking heritage
- "Seja um Cooperado e Participe dos Resultados" distinctive Brazilian cooperative banking positioning (cooperative members participate in results)
History
1902 — Brazilian cooperative banking heritage begins (Cooperativa de Crédito Rural de Nova Petrópolis; Brazil's first credit cooperative).
2002 — Sicoob (Sistema de Cooperativas de Crédito do Brasil) federation founding as Brazilian cooperative banking federation unification.
2014 — Super App Sicoob mobile banking app launches as Brazilian cooperative banking system flagship app.
Jun 26 2025 — Super App Sicoob financial health score feature launch distinctive Brazilian cooperative banking innovation for member financial well-being [3].
2025 — Super App Sicoob 4M+ users + 7.5M daily accesses + 18B+ 2025 business transactions + 300+ products/services + ~85% Sicoob cooperative members' financial transactions via Super App + 2026 Banking Transformation Award best financial market application [1, 2].
Ownership & operator
Operating entity: Sistema de Cooperativas de Crédito do Brasil (Sicoob) — Brazilian cooperative banking system parent.
Major shareholders: Sicoob 4.2M+ cooperative members (distinctive Brazilian cooperative banking model; no shareholders; all profits reinvested for cooperative members' benefit).
Regulator: BCB (Banco Central do Brasil).
Technical integration
Super App Sicoob (iOS + Android; 4M+ users + 7.5M daily accesses + 18B+ 2025 business transactions + 300+ products/services + ~85% Sicoob cooperative members' financial transactions via Super App) + sicoob.com.br online + Sicoob cards (Visa + Mastercard + Sicoob cooperative banking cards) + Sicoob 2,800 Brazilian cooperative banking service points; Pix + SPI (Sistema de Pagamentos Instantâneos) + Brazilian RTGS; Jun 26 2025 Super App Sicoob financial health score feature distinctive Brazilian cooperative banking innovation for member financial well-being.
Users & growth
2025: Super App Sicoob 4M+ users + 7.5M daily accesses + 18B+ 2025 business transactions + 300+ products/services + ~85% Sicoob cooperative members' financial transactions via Super App + 4.2M+ Brazilian cooperative members + 2,800 service points distributed throughout Brazil.
Use cases
Brazilian retail + cooperative + private + corporate + SME + investment + Pix + cooperative banking via Super App Sicoob + sicoob.com.br online + cards + 2,800 Brazilian cooperative banking service points; Pix + SPI (Sistema de Pagamentos Instantâneos) + Brazilian RTGS; Jun 26 2025 Super App Sicoob financial health score feature distinctive Brazilian cooperative banking innovation.
Implementations & partners
Operator: Sistema de Cooperativas de Crédito do Brasil (Sicoob); Sicoob 4.2M+ cooperative members (distinctive Brazilian cooperative banking model).
Major Brazilian banking competitors: [[banco-itau]] (Brazil's largest private bank by assets + Latin America's largest bank by market cap) + [[bradesco]] (Brazil's 2nd largest private bank by assets) + [[banco-do-brasil]] (Brazil's largest bank by assets state-controlled; Mar 6 2026 Banco do Brasil Pix Argentina launch via Banco Patagonia first international Pix deployment) + Caixa Econômica Federal (Brazilian state-controlled bank) + Santander Brasil (Santander Group Brazilian subsidiary) + [[nubank]] (Brazilian + Mexican + Colombian neobank flagship) + Sicredi (Brazilian cooperative banking federation; Sicoob rival) + Banco Cooperativo do Brasil (Bancoob; Sicoob banking arm).
Regulator: BCB.
Fun facts
- Brazil's largest cooperative financial system + 4.2M+ cooperative members + 2,800 service points distributed throughout Brazil.
- Super App Sicoob 4M+ users + 7.5M daily accesses + 18B+ 2025 business transactions + 300+ products/services + ~85% Sicoob cooperative members' financial transactions via Super App.
- 2026 Banking Transformation Award best financial market application for Super App Sicoob.
- Jun 26 2025 Super App Sicoob financial health score feature launch distinctive Brazilian cooperative banking innovation for member financial well-being.
- 2002 Sicoob founding by Brazilian cooperative banking federation → distinctive Brazilian cooperative banking heritage.
- "Seja um Cooperado e Participe dos Resultados" distinctive Brazilian cooperative banking positioning (cooperative members participate in results).
Comparison
| Feature | Sicoob / Super App Sicoob | [[banco-itau]] (Brazil's largest private bank by assets + LatAm's largest bank by market cap rival) | [[bradesco]] (Brazil's 2nd largest private bank by assets rival) | [[banco-do-brasil]] (Brazil's largest bank by assets state-controlled rival; Mar 6 2026 Pix Argentina launch via Banco Patagonia) | [[nubank]] (Brazilian neobank flagship rival) |
|---|---|---|---|---|---|
| Operator | Sistema de Cooperativas de Crédito do Brasil (Sicoob; Brazilian cooperative banking system) | Itaú Unibanco Holding S.A. (BVMF: ITUB4; NYSE: ITUB) | Banco Bradesco S.A. (BVMF: BBDC4; NYSE: BBD) | Banco do Brasil S.A. (BMFBOVESPA: BBAS3; NYSE: BDORY; Brazilian state) | Nu Holdings Ltd (NYSE: NU; B3: ROXO34) |
| Type | Brazil's largest cooperative financial system + 4.2M+ cooperative members + 2,800 service points + Super App Sicoob 4M+ users + 7.5M daily accesses + 18B+ 2025 business transactions + 300+ products + 85% Sicoob transactions + 2026 Banking Transformation Award best financial market app + Jun 26 2025 financial health score feature | Brazil's largest private bank + LatAm's largest by market cap + Apr 2016 Itaú+Corpbanca $14B LatAm largest cross-border merger | Brazil's 2nd largest private bank + Bradesco app | Brazil's largest bank by assets state-controlled + Mar 6 2026 Pix Argentina launch via Banco Patagonia first international Pix deployment | Brazilian + Mexican + Colombian neobank flagship + 100M+ customers + Dec 9 2021 NYSE IPO |
| Country | BR | BR + multiple countries (Chile via Itaú Chile + Paraguay + Uruguay + Argentina + Colombia) | BR + multiple countries | BR + Argentina (via Banco Patagonia) + USA (BB Americas) | BR + MX + CO |
| Distinctive | 1902 Brazilian cooperative banking heritage (Cooperativa de Crédito Rural de Nova Petrópolis); 2002 Sicoob federation founding; 2014 Super App Sicoob launch; Jun 26 2025 financial health score feature; 2026 Banking Transformation Award best financial market app; "Seja um Cooperado e Participe dos Resultados" cooperative banking positioning | 1924 Itaú founding heritage; 2008 Itaú + Unibanco $58B merger | 1943 Bradesco founding by Amador Aguiar | 1808 Banco do Brasil founding by Prince Regent João VI (Brazil's first bank + oldest Brazilian financial institution) | 2013 Nubank founding by David Vélez |
Status
Active, Brazil's largest cooperative financial system + 4.2M+ cooperative members [1, 2, 3]:
- Sistema de Cooperativas de Crédito do Brasil (Sicoob) since 1902 Brazilian cooperative banking heritage + 2002 Sicoob federation founding + 2014 Super App Sicoob launch.
- Super App Sicoob 4M+ users + 7.5M daily accesses + 18B+ 2025 business transactions + 300+ products/services + ~85% Sicoob cooperative members' financial transactions via Super App.
- 2026 Banking Transformation Award best financial market application + Jun 26 2025 Super App Sicoob financial health score feature launch.
- BCB regulated.
Sources
- 1 Sicoob — Your All-in-One Financial Super App
- 2 Super App Sicoob é reconhecido como melhor aplicativo do mercado financeiro no Prêmio Banking Transformation — Portal do Cooperativismo Financeiro
- 3 New feature in the Sicoob app calculates the financial health of cooperative members — TI INSIDE Online
- br-cro In-corpus:
reports/countries/BR-brazil.md
Source
Biography extracted from sicoob.md. See matrix.md for standards-support matrix if present.